Join us at Stillwater Public Library on Thursday, January 30 at 6:00 p.m. for Making Sense of Your Money & How You’re Spending It. Need help on how to begin to create a responsible, spending-savvy budget? Can’t figure out how to get or improve your credit? The class will introduce “The Budget Cycle,” which includes steps to maintain a successful budget: setting goals, tracking expenses, preparing a spending plan, following the plan, evaluating the plan and adjusting the plan as needed.